Ukuthatha intengiso ngenye yeendlela ezilula kakhulu zokurhweba imali ekhoyo. Ukuqhuba urhwebo xa uthengela imali ephakamileyo yemali ngokuchasana nemali ephantsi. Ngomhla ngamnye ophethe ukuba urhwebi, umthengisi wakho uza kukuhlawula umbahluko wentshisekelo phakathi kweemali ezimbini, nje kuphela xa uthengisa kwinqanaba elincomekayo.
Ngokomzekelo, ukuba iPound (GBP) inomyinge we-5 wepesenti kunye ne-US Dollar (i-USD) ine-interest rate ye-2, kwaye uthenge okanye uhambe ixesha elide kwi-GBP / USD, wenza ukuhweba.
Ngayo yonke imihla onayo yokuthengisa kwimarike, umthengisi uza kukuhlawula umlinganiselo phakathi kwamaxabiso enzala kula mabini amabini, okwakungaba ngama-3 ekhulwini. Umlinganiselo wezinga lomdla unako ukongeza ngaphezu kwexesha.
UkuThengiswa kokuThengiswa kweNtengiso
Ukurhweba ngokubhekiselele ekuthandeleni inzuzo kukuba, ngaphezu kweenzuzo zakho zokurhweba, kukho inzala yomvuzo. Ukuthabatha ukuthengisa kukuvumela ukuba usebenzise umgangatho wokuxhamla. Xa umthengisi ehlawulela inzala yakho yonke imihla ekuthengiseni kwakho, umrhumo ohlawulwa ngowamaxabiso aphezulu. Ukuba uvula urhwebo enye yeyona mini (10,000 USD), kwaye kufuneka usebenzise i-$ 250 yemida efanelekileyo ukuze uvule ezo zorhwebo, uza kuhlawulelwa inzala yemihla ngemihla nge-$ 10,000, kungekhona i-$ 250. Oku kungongeza ukuya kwiimbuyekezo ezinkulu ngonyaka.
Kutheni ukuThengiswa koThengiselo kuKungozi
Kukho ubungakanani obufanelekileyo beengozi ekuqhubeni isicwangciso sokurhweba . Iibhanari zeemali ezinobomi obufanelekileyo bokusebenzisa indlela yokuthengisa zithemba kakhulu.
Ngenxa yoko, ukuqhuba ishishini kufuneka kwenziwe ngokuqaphela. Iimarike ezixhaphakileyo zingaba negalelo elikhawulezayo nelinzima kwimibhangqa yemali enokuthi "ithwala iimbini" kwaye ngaphandle kokulawulwa kwengozi efanelekileyo, abahwebi banokugutywa ngotshintsho olumangalisa nolunobunzima.
Ibinzana elithi, "thwala ukuhweba," yizinto eziphathekayo zokuhamba.
Ukuqhutyelwa kwezentengiselwano kukugqithiswa kwehlabathi jikelele kwintengiso ebangela ukuba "imali yemali" iqiniseke ngamandla. Sazibonela ngeJapan Yen ngexesha leNgcwaba yeMali enkulu.
Kwenzeka Kanjani Konke
Ukuba wenza unomdla onobungozi obuhle kumbhinqa wemali ohlawula umdla ophezulu, kwaye izinga lokutshintshana lihlala lifana okanye lihamba ngokuthanda kwakho, unomdla omkhulu. Ukuba urhweba luhamba nxamnye nawe, ilahleko zingaba zikhulu. Intlawulo yenzalo yemihla ngemihla kwi-akhawunti yakho iya kunciphisa umngcipheko wakho, kodwa akunakwenzeka ukuba kuya kukwanela ukukhusela kwilahleko yakho yokurhweba. Ukunyamekela imithwalo kufuneka ibhekwe njenge "icing kwikhekhe" kunokuba nje "icebo-brainer" esilula.
Njengazo naziphi na ezinye izicwangciso zokurhweba, sebenzisa ulawulo olusemngciphekweni olufanelekileyo , kwaye usebenzise intloko yakho xa wenza amashishini. Kuya kuba nzima ukufikelela kuloo ntlawulo yosuku ngalunye, kodwa ngaphandle kokulumkisa, loo ntlawulo encinci inokukuhlawula i-fortune kwilahleko.
Kukulungele ukudibanisa ukuthengiswa kunye nezinto ezisemgangathweni kunye nemeko yeemarike. Ukusebenza ngokusemgangathweni kusebenza kakuhle xa imarike "ivakalelwa ngokukhuselekileyo" kwaye inesimo esihle. Ukuqhutyelwa ngokufanelekileyo ekuthwaleni i-yorhwebo kunokuncedisa ngokubanzi kwimbuyekezo yakho yonke.